HDFC Click2Protect Super vs ICICI Pru Iprotect Smart in HINDI | Best Term Plan 2025 | Ditto

Need help choosing the right term insurance? Book a FREE call with Ditto’s experts for spam-free, honest advice - https://ditto.sh/1zp23b If you’re looking for the best term insurance plan in 2025, you’ve likely come across HDFC Life’s Click2Protect Super and ICICI Prudential’s iProtect Smart. But how do these plans stack up against each other? Which one offers better benefits, flexibility, and affordability? In this video, we break it all down so you can make the right choice for your financial security. HDFC Click2Protect Super – The Premium & Customizable Choice HDFC Life has always been a trusted name in term insurance, and Click2Protect Super is one of its most feature-rich plans. The plan offers a variety of coverage options, including: ✅ Level Cover, Increasing Cover, and Decreasing Cover options ✅ Zero Cost Smart Exit – Get back all premiums after 30 years (excl. GST) ✅ Critical Illness Rider (60 illnesses covered) ✅ Waiver of Premium on Disability or Critical Illness ✅ Accidental Income Benefit – 1% of sum assured paid monthly for 10 years ✅ Spouse Cover Option – Additional cover for your partner While it offers some of the best riders and features, the premiums are on the higher side compared to competitors. ICICI Pru iProtect Smart – Affordable & Comprehensive ICICI Prudential’s iProtect Smart is one of the most cost-effective term insurance plans, especially for smokers and those seeking a basic, no-frills policy. Key features include: ✅ Inbuilt Terminal Illness & Special Exit Feature ✅ Waiver of Premium – but only for Accidental Disability ✅ Critical Illness Rider covering 34 illnesses (but sum assured is deducted from base cover) ✅ Accidental Death Cover up to ₹2 Cr Though iProtect Smart is an affordable option, its critical illness payout is deducted from the base sum assured, and waiver of premium only applies to accidents, unlike HDFC which covers illnesses too. Which Term Plan Should You Pick? Find out in the video. Still confused? Book a FREE call with Ditto’s insurance advisors for a personalized term insurance consultation - https://ditto.sh/1zp23b #HDFCLife #ICICIPrudential #BestTermInsurance #TermLifeInsurance